I'm not using simple but the regular profile.

That is why if a MMF is not able to do T1 settlement means they are not liquid enough and won’t give better interest as well

Look at GO+ liquidity is there but interest below OPR meaning they are liquid but but lower returns

Regular is longer, takes 4 to 5 business days 🤣 it takes time to sell securities, convert funds, then wire funds to you



This post has been edited by DragonReine: May 18 2021, 09:30 AM

Thats why stashaway simple n go+ oledi out of my list 😂😁

Agree, nowadays prefer using GO+ with bonus returns, Versa/SA taking too long to cash-out

For me, I'm okay having few ks in Simple just so it's easier for me to do recurring transfer that does not clutter my bank transaction. And the returns in Simple, no matter how little, it's quite good actually - cuz it earns me dollars, and not losing money compared with my other RIs, lol...the irony.

My pek-chekness came from missing out on buying during market drop that week...but...it's okay, it is what it is.

Yeah...if holiday, really faint, lol...although I expected, but it does irks me sometimes, hehe...but I'm alright cuz I'm not trying to time market.

Indeed, those users that are very particular about timing, processing/waiting time, no patient type, they just need to find another alternative.

Go+ bonus returns until early August then you have back to Versa

Hopefully bonus returns extend another 3 months otherwise Versa because next day settlement

SA simple forget about it because the underlying fund is not attractive at all with the slow settlement time

My SA 26% risk index invests 55% into equities sector (US), is this too high of allocation into one type of investment?

depends on individual...

can you sleep peacefully at night?

for me, the only reason why I chose to let SA convert my RM into USD is to invest 100% into DJI and/or S&P500. Didn't realise some went into China

IMO, not really, because SA investments into ETFs which themselves are a basket of diversified stock picks.

To some this might seem like SA put too much into US-based equities, but if you look at the underlying ETFs' portfolios it's actually pretty balanced, at least in terms of sectors (small vs large cap, type of industry etc.).

Following is SA's description of the US Equities ETFs in SRI 26%, you can go look those up on other sites for more in depth reviews of their portfolio.

first time hearing about Versa. strange that no thread opened about this in LYN

1 day withdrawal seems really good compare to Simple 3 days.

googled and found this...

Versa – Digital Cash Management (Investment)
https://forum.lowyat.net/topic/5129545

got mentioned in this thread too
Money market fund
https://forum.lowyat.net/topic/4962773/+80

This post has been edited by MUM: May 19 2021, 12:15 PM

ah thanks. all discussed under MMF umbrella topic.

Hey guys, i am new to SA platform and i would like to know is this is safe means to earn that sweet interests? Also instead of just chucking in the MYR into SA, what else can be done in SA? Please do treat me as noob as i have little knowledge when it comes to invests. Trying to get into investing for long term. Thank you sifus!

Start reading from page 1 and the FAQ.

if your meaning safe meant to earn that sweet interests without seeing losses of your capital,....then try SA Simple.....

if your mean of "safe" meant no chance of losing your money,...then SA equity portfolio is NOT for you....for there are posting by forummer that complaint of losing money even for the SA lowest risk index portfolio...

Interest and safe is usually found in MOney market fund, fixed deposit. You can also buy some bonds, especially short term bonds which are usually less risky and offers higher than FD returns.

Beyond that please, start from page 1.

What are the highest annual return that SA gave for the 36% risk index portfolio?

stashaway is quiet new....i think is just 3 yrs old

for the 2020 returns,...check this?
https://www.stashaway.my/r/our-returns-2020